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Click here or scroll down to respond to this candidateCandidate's Name
Westbury, NySummary: While working as a Loan Processor, he has been closing 20-30 loans every month. Processed residential mortgage loans (FHA, VA, Conventional, purchase, refinance) under various programs in a quality consistent with all company policies and procedures. Checked insurance documents, property, and liability certificates and the HPD website for violations. Managed loans through the loan servicing onboarding process and trailing document follow up and reviewEducation: B.A. Economics (Honors) & Sociology (Honors) Minor: Business Management (Honors) - Stony Brook University- DecemberComputer Skills: Loan Status Tracker PACS Citrix-Unifi Calyx Encompass OctaneWork History:Cardinal Financial Company Mar 2020 - Aug 2022Senior Loan Transaction Coordinator Collect and verify necessary financial documentation, such as credit reports, to complete mortgage loan applications and determine credit worthiness Submit detailed loan packages to the lender underwriting department for approval or denial. Communicate with underwriters to clarify conditions and satisfy these by coordinating with the borrower. Liaison with borrowers, underwriters, title agents, real estate agents and other 3rd parties regularly to make sure loan documentation is completed so closing dates and company deadlines are met.United Northern Mortgage Bankers Limited Nov 2019 - Jan 2020Loan Officer Assistant/Loan Processor Review and structure (FHA, VA, Conventional, purchase, refinance) through several products in a quality consistent with all company policies and procedures. Examination of income, asset, and disclosure documentation of loan packages for readiness to submit for approval. Ordering of 4506 transcripts, VOEs, mortgage payoffs, insurance binders, & Coop/Condo documentsA+ Credit Services May 2018 - Oct 2019Senior Loan Processor Process residential mortgage loans (FHA, VA, Conventional, purchase, refinance) under various programs in a quality consistent with all company policies and procedures. Registered loans on the origination system and maintains system accuracy and issue proper TRID disclosures as required by federal regulatory compliance. Review of closed loan packages to ensure that documents are correctly signed and properly executed by borrowers and notarized in accordance with state regulations. Work in conjunction with internal operations and all entities connected to the loan file for conditions needed for audit and exception resolution.Franklin First Financial Jan 2017 - Apr 2018Senior Loan Processor Critiqued application information to request specific supporting documentation needed/ required based on loan investor guidelines and submit loan applications for underwriting approval. Structured Conventional and FHA loans by FANNIE/FREDDIE guidelines for underwriting and processing based on credit, LTV/CLTV, and product programs. Validated automated underwriting system (DU/LP), ensured file meets minimum documentation/ product guidelines, and reviewed & collected underwriter conditions and submit conditions for underwriting clearance. Promptly and accurately request and capture all reconciled (fully executed) loan documents and trailing documents to ensure timely delivery to both our investors and the bank. Check insurance documents, property and liability certificates and the HPD website for violationsIntercontinental Capital Group Jun 2016 - Jan 2017Senior Loan Processor Process residential mortgage loans (FHA, VA, Conventional, purchase, refinance) under various programs in a quality consistent with all company policies and procedures. Prepped &. issued loan estimate and closing disclosure to borrower for compliance review. Examined disclosures for mortgage compliance and regulations including RESPA, TRID, HMDA, ECOA and Fair Lending. Managing the loans through the loan servicing onboarding process and trailing document follow up and reviewVanguard Funding LLC Mar 2015 - May 2016Senior Loan Processor Evaluated structure of conforming and non-conforming file for adherence with lender and Government guidelines. Analysed and calculated income from the paystubs, W2s, 1099s and personal/business tax returns. Verified loans documents including credit, appraisal and title prior to preparing file for submission to underwriting. Partner with Capital Markets team to answer any investor questions; follow up on, review, request corrections on all trailing documentsA+ Credit Services Oct 2007 - Mar 2015Senior loan Processor Prepared & processed retail mortgage loans (conventional and government purchases and refinances) under various loan programs for closing. Addressed all problems and questions from loan officers, third parties, and management by resolving any Issues carefully and expeditiously. Ordered, examined & cleared titles with title companies to set up a closing dateAmerican Home Mortgage Jun 2006 - Sept 2007Senior Loan Processor Registered loans on the origination system and maintains system accuracy and issue proper TRID disclosures as required by federal regulatory compliance. Investigated & resolved all outstanding conditions on lender and investor approval. Requested and updated insurance and payoffs of mortgages and liensChase Home Finance, Inc. Sept 2002 - Jun 2006Senior Loan Processor Registered new loan applications and calculating Good Faith Estimates. Reviewed rate lock and point objectives for precision and potential problems and insures overage and underage is approved as well as waiver of any fees or discounts applied. Attaining mortgage schedules and full record searches for CEM/COOP. |
